A Conditional Sale car finance agreement is very similar to a Hire Purchase agreement, except that you automatically own the car once you have made all of your repayments. This means as soon as you sign the contract you are the owner of your new car!

You can either put down a deposit or offer your current car as a part-exchange, and once the finance company have paid the dealership, you will be ready to collect your car.

Benefits of a Conditional Sale car finance agreement:

✓ Monthly repayments are usually smaller

✓ Can benefit from a smaller initial deposit

✓ Repayments are fixed at the same amount for the whole term

✓ No Option to Purchase fee at the end of the term 

How do I apply for car finance?

form icon Fill out our quick and easy online application form.

thumbs up icon Once you’ve been accepted with one of our lenders, you are free to choose a car.

Car Icon Agree to the terms of your finance agreement; once you’ve signed your documents you’re free to drive away!

Let us find you the best finance deal

Why choose Refused Car Finance?


✓ We charge no customer fees

✓ We approve 98.4% of applicants!

Quick online application

No deposit plans available

Good credit, bad credit or no credit history all welcome!

Hand giving car keys in front of red car
View our fantastic range of cars from a selection of dealers that we work with across the country. 
Refused Car Finance Reviews

4.86 Average

218 Reviews

Mark Mccarthy

Brilliant first class service could have not have asked for a better service staff was amazing and very quick to help me get a car within two days top class will tell anyone who wants to get a good deal on getting a car

Ashley Lightner

When others were saying sorry, Refused Car Finance did not give up. They found me an offer from a lender that Carfinance 24/7 said had refused me. Thanks to Refused Car Finance I now have my new car

Darren Maguire

Absolutely unbelievable customer service and help from start to finish Dan who sorted things out was very patient with me and got me the best deal possible and when we came to sign things over it felt like I was dealing with a friend

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